Man literally leaves $1.5M VA home loan program unused on the table because his wife's cousin once knew a guy who had a bad experience with a lender in 1998, AITA for telling him he's a moron? TL;DR: Married friend renting at $4K/month with 780 credit score refuses to admit the VA loan isn't a scam, instead buys a boat with the money he saved by being terrified of a 0% down payment.